Intentional Money Goals: What’s Worth Aiming for in 2026 скачать в хорошем качестве

Intentional Money Goals: What’s Worth Aiming for in 2026

“Your goals should reflect your own capacity to hit those goals and not comparison to the rest of the world.” What makes a financial goal stick? Our hosts, Natalie and Dan Slagle, tackle the psychology behind why most New Year's resolutions fail by January's second Friday, dubbed "Quitter's Day" by fitness app Strava! The usual culprits are vague aspirations, borrowed goals from social media, too many competing priorities, and zero actionable systems. But rather than willpower, the solution is intentionality. The Slagles introduce three essential filters for goal-setting. First, the values filter asks what matters most right now. Dan chooses flexibility around their upcoming home purchase and family time, while Natalie boldly prioritizes self-care, acknowledging that taking care of herself enables her to show up better in every other role. Second, the season of life filter puts your current life circumstances in context. Are you a new parent with daycare costs? Recovering from burnout? Building a business? Your capacity differs wildly depending on these circumstances. Natalie shares her struggle with wanting to max out both 401(k)s ($24,500 each, totaling $49,000 annually for 2026) while acknowledging that their current expensive life stage simply doesn't support that goal. Third, the numbers filter grounds goals in actual cash flow, income, expenses, and reserves. Beyond these filters, realistic goals share six characteristics: specific amounts, time-bound deadlines, cash flow support, behavior-based actions (not just outcomes), emotional tolerability, and acknowledged trade-offs. That last one matters. Naming what you're not doing prevents November disappointment! The Slagles recommend one primary goal supported by complementary goals and maintenance goals. For example, building cash savings from $50,000 to $100,000 (primary), while pausing extra investing and cutting expenses (supporting), yet maintaining current retirement contributions (maintenance). Partners should separately answer: "What would make me feel more secure by December 2026?" Then compare notes and create one shared goal together, keeping it simple, transparent, and actionable. Key Topics: • Why Goals Fail: Quitter’s Day Explained (04:18) • Why January 1st Is Too Late (07:01) • Filter #1: Values (08:29) • Dan’s Goal-Setting Success System (09:21) • Filter #2: Season-of-Life Reality Check (15:40) • Natalie’s 401(k) Comparison Trap (18:23) • Filter #3: The Numbers Don’t Lie (19:21) • Six Characteristics of Realistic Financial Goals (20:59) • Primary, Supporting, and Maintenance Goal Framework (25:56) • Couple’s Exercise: Questions to Start the Conversation (28:19) Natalie Slagle, CFP® and Dan Slagle, CFP® are the founding partners and lead financial planners at Fyooz Financial Planning — an independent firm dedicated to helping high-earning couples in their 30s and 40s confidently navigate the complexities of managing money together. At Fyooz, they specialize in turning financial stress into strategy, guiding couples through everything from cash flow and investing to aligning money with shared goals. Disclaimer: For updated disclosures, please visit https://www.fyoozfinancial.com/